Key Responsibilities
Credit Assessment & Underwriting
- Evaluate LAP applications, analyzing financial statements, credit reports, and relevant documentation
- Determine loan eligibility based on creditworthiness and organizational policies
- Approve or recommend actions on loan applications within delegated authority
Risk Management & Compliance
- Monitor and manage the loan portfolio, tracking delinquency and recovery metrics
- Ensure all credit operations comply with internal lending policies and regulatory requirements
- Implement and maintain credit risk management frameworks and controls
Team Leadership & Collaboration
- Provide guidance and training to credit officers and team members
- Work closely with sales and operations teams to achieve business targets and maintain portfolio quality
Market & Industry Awareness
- Stay updated on market trends, regulatory changes, and best practices in credit risk management
- Advise management on emerging risks and opportunities in the LAP segment
